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85364 : Real Estate Advice

  • All17
  • Local Info1
  • Home Buying11
  • Home Selling2
  • Market Conditions2

Activity 15
Tue Jan 24, 2017
Angelica P answered:
Hello,

To post your home for sale by owner on Trulia, click the link below and select Submit listings for sale.

http://www.trulia.com/submit_listings/

You will be redirected to our partner site, Zillow. Once you activate your listing on Zillow, it will appear on Trulia within 24 hours.

For future reference, you can feel free to contact us about this type of inquiry through our contact form here:

http://www.trulia.com/help/ask/


Thank you for using Trulia!

Angelica
Consumer Care Advocate
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0 votes 1 answer Share Flag
Thu Mar 26, 2015
zaily1919 answered:
In Sept 2014 this home in yuma az 137 nth 13th ave has been vacant now you have swadders please the agent or owner please do something before something happens.
0 votes 1 answer Share Flag
Wed Feb 4, 2015
Viveka Ross of Ross Tandon Team answered:
Hi Danielle,

Most cities and townships have noise ordinances that cover barking dogs. Check your city/township website for complaint process. Good Luck with the sale!
0 votes 2 answers Share Flag
Sun Sep 7, 2014
Debra (Debbie) Rose answered:
you didn't mention what the issue was.......I suggest you call the local board of health and report this situation.
0 votes 1 answer Share Flag
Tue Aug 27, 2013
Sean Rodgerson answered:
Darlene- Your question was cut short. To give you a proper answer, I would need to have all the information. You can email me directly at Sean@UseMeMoveFree.com I am happy to help in any way I can.
Sean Rodgerson
Powerhouse Realty
928-210-9582
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0 votes 4 answers Share Flag
Fri Jun 28, 2013
Melissa Goss answered:
The agent cannot move the approval of a short sale- therefore once your bid/offer is in, we sit.... we sit... we wait, and wait some more to see if the bank approved your offer or not. There was nothing your agent could do... banks do what they want as fast or as slow as they want. What advice I could offer would be to inform yourself on what short sales really are- if your agent dances over your questions, find a new agent. All that glitters is not gold. ... more
0 votes 5 answers Share Flag
Mon May 9, 2011
Elizabeth Carpenter answered:
If you are still in the inspection period you have the right to cancel and get your earnest money returned. You have so many days after the response from the seller to cancel and the timing is critical. Talk to your agent and she/he can assist you. ... more
1 vote 8 answers Share Flag
Tue Mar 29, 2011
Spirit Messingham answered:
More importantly, when is it the best time for YOU to buy? Interest rates are rising, and if you are pre-approved, I would start looking now. If you are not pre-approved, please talk with a local lender. Then speak with a local agent or local agent...


Oh wait, you are an agent. Are you asking others or do you really not know when a good time is to buy a home? It depends on the client, what they have going on just as much as the local housing market, rates, and etc.

FYI, anyone who claims to know for a fact we are "at the bottom of the bubble" wants something, cause there is no way to know for sure, until we have started climbing up. Period.
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2 votes 20 answers Share Flag
Mon Jan 18, 2010
James Gordon ABR SFR SRS answered:
Bf in my experience the time range for contract to close can be as short as 15 days (I have done it on a short I had listed) up to never. It depends on the listing agent, the lender, and how many liens and what kind the are on the property. There is no cut and dry answer on how long they will take and some short sales should never have been listed because they stand the chance of a snowball in h*** of closing. ... more
0 votes 4 answers Share Flag
Thu Jun 11, 2009
Janelle Hudock answered:
Hi Anthony-

My name is Janelle, I am an agent with Coldwell Banker here in Yuma. If you are interested in looking for a duplex, I would be happy to make an appointment with you to see what we could find. My cell is (850)332-8802.
Thank you.
Janelle' Hudock
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0 votes 3 answers Share Flag
Tue May 27, 2008
Keith Sorem answered:
Lauri
There are a couple of options you might want to consider, however regardless you should discuss your situation with a Realtor that knows the local market and can provide you with some advice based on your personal situation.

First, every home will sell at a price. Your problem is that you have been chasing the market. The market values are dropping, but the list price of your home is behind, so your home has always been overpriced compared to the market. A way to verify this is to ask your Realtor how many homes, like yours, have sold during the past year?
Second, you need to be honest with your Realtor about why you are selling in the first place. Just reading your post, it appears that you are selling because you cannot afford the monthly payments, is that correct? You are not selling because you have to relocate for a new job, or you probably would have lowered the price enough to get the home sold.

Selling because you cannot afford to make the payments offers a couple of options:
a) If your income is not expected to change, (say one spouse has lost their job, but is going to find a new job), then you should approach your lenders and ask them if they will consider re-structuring your loans.

Most lenders do not want to foreclose. They also would prefer not to have you sell the property for less than you owe. Both of these options are going to cost them a lot of money, so the least costly option is for the lender to modify the terms of your loans so you can afford to remain in the home.

Generally speaking, you can make a case for a loan modification by writing a letter to the lenders, outlinging your finances (a financial statement of your income, your monthly expenses, copies of pay stubs and bank account statements) so they can see your situation. Then, also explain how you got into this situation and what you want them to do. (for example, we need you to find a way to lower our monthly mortgage payments from $2800 a month to $2500 a month.

b) the other option, if the lenders will not modify your loan, is to sell the property. In that event, the same p[procedure is followed. Your Realtor asks for a short sale package, they will submit your information to the lenders, and then hopefully they will approve the sale.

c) One of the big problems right now is that homes are declining in value, so home owners that initially were not in trouble, now find themselves in trouble because the homes that have been foreclosed drag down the values of the other homes. So while your Realtor is trying to get the lenders to accept a low price for the sale of your home, the value of the home is declining.

As long as you make the payments you are fine, however if you decide that you cannot make those payments, then the foreclosure process starts. It is a race against time, because if the lenders cannot agree to sell your home for a lower price, eventually it will be sold at a trustee's sale.

So from your perspective a foreclosure is a big ding on your credit. A short sale is a smaller ding, and a good Realtor can help you negotiate the end result to read "settled" or "paid in full" so the damage to your credit is minimized. However, to get a lender ot agree to a short sale you need to prove that you are unable to pay your bills, so your credit will be damaged to some degree anyway.

The best hope is for a loan modification, assuming that you want to stay in the home if you can.

Good luck!
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1 vote 5 answers Share Flag
Mon Feb 11, 2008
Scott McGrane answered:
Typically the banks have agreed to settle out for less money; which in turn means a better deal for you. The misconception often is that banks have everything to gain and nothing to loose during these transactions. When, in fact, they want to get that property off their balance sheet as bad as you want to buy it. If you do your research there are plenty of deals out there that you can get for under market value. In fact, if your realtor is real savvy than they will be able to find properties that are purchased at 75% LTV. What does this mean you ask? You purchase a home for 200K and it then appraises for 265K. Believe it or not, I am seeing those types of deals more and more frequently. After the COE I am seeing refinances one day on title for the new appraised value. That means a lower rate and investors have been eating them up with a spoon. Also, Perry from Austin, stated below a good point that I agree with too. You go to get a bank owned or short sale auctions and put in the asking price thinking you are getting a great deal, only to find out two months later that you have been out bid and need to raise your offer. In this climate research is key. ... more
0 votes 5 answers Share Flag
Thu Nov 15, 2007
Jonathan Dalton answered:
Bill, is there a reason you've asked so many questions on your first day here? It seems some of the topics would make more sense for a format such as RealTalk. There's no ranking system there, but at least then it doesn't look like you're asking just to ask just as you'll find some folks answer just to answer. ... more
2 votes 4 answers Share Flag
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